Application program, settlement system, and control method of terminal device

Abstract

To provide an application program, a settlement system, and a control method of a terminal device configured to allow a user to repay funds borrowed from a consumer loan company using electronic money, thereby improving the convenience for the user.SOLUTION: An application program causes a terminal device which can communicate with a business operator server managed by a consumer loan company over a network to: receive the amount of debt of a user from the business operator server; display the amount of debt on a display unit of the terminal device; acquire a repayment amount to repay the debt, in accordance with an input from the user; transmit a repayment request including the repayment amount to the business operator server; and repay the debt with electronic money.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an application program, a payment system, and a method for controlling a terminal device. [Background technology]

[0002] Conventionally, electronic payment services using user terminal devices owned by users have been known. For example, Patent Document 1 proposes an electronic payment system in which code information such as a barcode or QR code (registered trademark) is displayed on a user terminal device and the code information is read by a store terminal device installed in a store, thereby executing electronic payment. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2022-157339 Summary of the Invention [Problem to be solved by the invention]

[0004] However, although the electronic payment system described in Patent Document 1 allows electronic payments to be made using electronic money, it is sometimes inconvenient for users because funds borrowed from consumer loan providers cannot be repaid using electronic money.

[0005] The present invention has been made in consideration of the above circumstances, and one of its objectives is to provide an application program, a payment system, and a method for controlling a terminal device that allows users to repay funds borrowed from consumer loan providers in electronic money, thereby improving convenience for users. [Means for solving the problem]

[0006] One aspect of the present invention is an application program that causes a terminal device capable of communicating with an operator server managed by a consumer loan operator via a network to receive a user's loan amount from the operator server, display the loan amount on a display unit of the terminal device, obtain a repayment amount for repaying the loan amount in accordance with input from the user, and send a repayment request including the repayment amount to the operator server, thereby repaying the loan amount with the electronic money. [Effects of the Invention]

[0007] According to one aspect of the present invention, it is possible to provide an application program, a payment system, and a method for controlling a terminal device that enable funds borrowed from a consumer loan provider to be repaid in electronic money, thereby improving convenience for users. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram illustrating an example of a configuration for realizing an electronic payment service. [Figure 2] This is a sequence diagram (part 1) illustrating the general flow of electronic payment. [Figure 3] This is a sequence diagram (part 2) illustrating the general flow of electronic payment. [Figure 4] FIG. 2 is a configuration diagram of a payment server 100. [Figure 5] FIG. 10 is a diagram showing an example of the contents of user information 172. [Figure 6] FIG. 10 is a diagram showing an example of the contents of affiliated store / store information 176. [Figure 7] FIG. 2 is a diagram illustrating the configuration of a user terminal device 200. [Figure 8] FIG. 2 is a configuration diagram of a business operator server 300. [Figure 9] FIG. 10 is a diagram showing an example of the contents of member information 372. [Figure 10] 10 is an example of a home screen of a loan application 30. [Figure 11]10 is an example of a repayment procedure screen of the loan application 30. [Figure 12] 10 is an example of a biometric authentication screen of the loan application 30. [Figure 13] 10 is an example of a repayment method selection screen of the loan application 30. [Figure 14] 10 is an example of an early repayment screen of the loan application 30. [Figure 15] 10 is an example of a repayment details confirmation screen of the loan application 30. [Figure 16] FIG. 10 is a sequence diagram showing details of the early repayment process using electronic money. [Figure 17] 10 is an example of an agreed repayment screen of the loan application 30. [Figure 18] 10 is an example of a repayment details confirmation screen of the loan application 30. [Figure 19] FIG. 10 is a sequence diagram showing details of the contracted repayment process using electronic money. DETAILED DESCRIPTION OF THE INVENTION

[0009] Hereinafter, with reference to the drawings, embodiments of an application program, a payment system, and a terminal device control method of the present invention will be described. Various devices, such as the "server" mentioned below, that provide services to users and perform internal analysis may be realized by a group of distributed devices, and each device may be operated by a different business. Furthermore, the owner of the device's hardware (the cloud server provider) and the business that actually operates it may also be different. An electronic payment service is a service that supports payments for the purchase of goods and services at a store. A store may be, for example, a physical store (real-world store) existing in real space, but may also include a virtual store for e-commerce transactions. Virtual stores may also include those operated by entities other than the operator of the electronic payment service. In such cases, when making a payment for a purchase at a virtual store, the user is controlled to transition to the interface screen of the electronic payment service. In an electronic payment service, a store is treated as belonging to, for example, a member store (brand), and when a purchase is made at a store, processing such as payment is primarily conducted between the user and the member store. Alternatively, processing such as payment may be conducted between the user and the store.

[0010] [Electronic payment service] Figure 1 shows an example of a configuration for realizing an electronic payment service. The electronic payment service is realized mainly by a payment server 100. The payment server 100 communicates with, for example, one or more user terminal devices 200, one or more first store terminal devices 50, one or more second store terminal devices 70, and a business operator server 300 via a network NW. The network NW includes, for example, the Internet, a LAN (Local Area Network), a wireless base station, a provider device, etc.

[0011] The user terminal device 200 is, for example, a portable terminal device such as a smartphone or tablet terminal. The user terminal device 200 is a computer device having at least an optical reading function, a communication function, a display function, an input acceptance function, and a program execution function. In the following description, components for realizing these functions are referred to as a camera, a communication device, a touch panel, a central processing unit (CPU), etc. In the user terminal device 200, a processor such as a CPU executes a payment application (hereinafter referred to as a payment app) 20, which operates in cooperation with the payment server 100 to provide users with electronic payment services. In addition, a processor such as a CPU executes a loan application (hereinafter referred to as a loan app) 30 in the user terminal device 200, which operates in cooperation with the business operator server 300 to provide users with consumer loan services. The payment application 20 and the loan app 30 are installed in the user terminal device 200 from, for example, an application store, and control the camera, communication device, touch panel, etc.

[0012] The first store terminal device 50 is installed, for example, in a store. The first store terminal device 50 is a computer device having at least a product price acquisition function, an optical reading function, a program execution function, and a communication function. The first store terminal device 50 includes a so-called POS (Point of Sale) device, and the product price acquisition function and the optical reading function may be realized by the POS device. The store code image 60 is placed in the store and is a code image such as a QR code (registered trademark) printed on a paper or plastic medium. The store code image 60 may be displayed on a display placed in the store (which may be the display of a terminal device such as a smartphone).

[0013] The second store terminal device 70 is used by the operator of the affiliated store. The second store terminal device 70 is a smartphone, tablet terminal, personal computer, etc. An interface for affiliated stores 72 runs on the second store terminal device 70. The interface for affiliated stores 72 may be an app for affiliated stores or a browser. The interface for affiliated stores 72 accepts coupon settings and the like from the operator of the affiliated store and transmits them to the payment server 100. The second store terminal device 70, which is a smartphone, has the function of displaying a code image corresponding to a store code image and reading the code image displayed by the user terminal device 200 by executing the app for affiliated stores.

[0014] The payment server 100 realizes electronic payment based on payment information received from the user terminal device 200 or the first store terminal device 50. The first store terminal device 50 may include a POS device and an affiliated store server, in which case payment information is sent from the POS device via the affiliated store server to the payment server 100. In the following explanation, this distinction will not be made and it is assumed that payment information is sent from the first store terminal device 50.

[0015] The business operator server 300 is a computer managed by the consumer loan business operator, and communicates with the payment server 100 and the user terminal device 200 via the network NW. As will be described in detail later, the business operator server 300 holds information related to the user's loan.

[0016] 2 and 3 are sequence diagrams illustrating the general flow of electronic payment. There may be two patterns for electronic payment: Pattern 1 and Pattern 2.

[0017] In the case of pattern 1 (hereinafter referred to as user scan) shown in FIG. 2, user terminal device 200, with payment application 20 running, decodes store code image 60 using its optical reading function (S1). Store code image 60 includes store URL (Uniform Resource Locator) information. This store URL is the domain of the electronic payment service to which store identification information has been added, and is associated with an affiliated store ID, store ID, etc. in payment server 100 (described below). Payment application 20 sends first payment information including the store URL and account ID to payment server 100 (S2). Payment server 100 searches for store information (described below) using the affiliated store ID and store ID corresponding to the store URL, acquires information on the affiliated store name and store name (S3), and sends this information to payment application 20 (S4). The user enters the payment amount into user terminal device 200 on the screen displaying the affiliated store name and store name (S5). Then, the user terminal device 200 generates second payment information including at least the payment amount and sends it to the payment server 100 (S6). The payment server 100 makes the electronic payment based on the received second payment information (S7). The payment server 100 then sends a payment completion notice (information for displaying a payment completion screen) to the payment app 20 (S8), and the payment app 20 displays the payment completion screen (S9). Note that when the store code image 60 is displayed on a display installed in the store, the store code image 60 may include information on the payment amount in addition to the store URL. In this case, the step of the user inputting the payment amount is omitted, and the payment amount information is included in the first payment information and sent to the payment server 100. Information on the affiliated store name and store name may be included and displayed on the payment completion screen.

[0018] In the case of pattern 2 (hereinafter referred to as store scan) shown in FIG. 3, the payment app 20 sends a request to issue a one-time code to the payment server 100 when the payment app 20 is launched, when a payment operation is performed in the payment app 20, at the automatic update timing (e.g., every minute), and at other timings (S11). The payment server 100 generates a one-time code (S12) and sends it to the payment app 20 (S13). The payment app 20 displays a code image, such as a QR code or barcode, generated based on the one-time code (S14). The user holds (presents) the display surface of the user terminal device 200 over the first in-store terminal device 50, and the first in-store terminal device 50 decodes the code image using its optical reading function and obtains the one-time code, etc. (S15). The first in-store terminal device 50 then generates payment information including the one-time code, payment amount, affiliated store ID, store ID, etc., and sends it to the payment server 100 (S16). The payment amount information is acquired in advance by reading a barcode, manually entering it, etc. Based on the received information, the payment server 100 identifies the user corresponding to the one-time code and performs electronic payment (S17). Then, the payment server 100 sends a payment completion notice to the payment application 20 (S18), and the payment application 20 displays a payment completion screen (S19).

[0019] Note that electronic payment may be performed using only one of the above patterns. Furthermore, the "account ID" described in FIG. 2 may be other information (e.g., a phone number) that can be used as user identification information. Furthermore, issuing a one-time code may be omitted in store scanning, and the payment application 20 may display a code image generated based on the user's account ID. In this case, the payment server 100 identifies the user corresponding to the account ID instead of identifying the user corresponding to the one-time code.

[0020] [Payment server] FIG. 4 is a configuration diagram of the payment server 100. The payment server 100 includes, for example, a communication unit 110, a payment content providing unit 120, a payment processing unit 130, an information management unit 140, and a storage unit 170. The components other than the communication unit 110 and the storage unit 170 are implemented by, for example, a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as a large-scale integration (LSI), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or a graphics processing unit (GPU), or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device (a storage device with a non-transitory storage medium) such as an HDD (hard disk drive) or flash memory, or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0021] The storage unit 170 is a hard disk drive (HDD), a flash memory, a random access memory (RAM), etc. The storage unit 170 may be a network attached storage (NAS) device that can be accessed by the payment server 100 via a network. The storage unit 170 stores information such as user information 172, payment content information 174, and affiliated store / shop information 176.

[0022] The communication unit 110 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0023] The payment content providing unit 120 has, for example, a function of a web server, and provides information (content) for displaying various screens of the electronic payment service to the user terminal device 200. The payment content providing unit 120 reads out necessary content from the payment content information 174 as appropriate and provides it to the user terminal device 200. The user terminal device 200 accepts various inputs from the user while content is being played by the payment application 20, and transmits the above-mentioned payment information and the like to the payment server 100.

[0024] The payment processing unit 130 performs payment processing based on the payment information transmitted by the user terminal device 200 or the first store terminal device 50. The payment processing unit 130 performs payment processing while referring to the user information 172.

[0025] FIG. 5 is a diagram showing an example of the contents of user information 172. User information 172 is an example of user registration information. User information 172 includes, for example, a user URL, account ID, telephone number, and password, as well as an email address, user ID, name, address, gender, date of birth, registration date, remaining charge balance, credit card payment settings, credit card limit, credit card payment amount, available credit card payment amount, payment method settings, bank account, credit card number, charge history information, payment history information, and membership number. The user URL is used for remittance processing between users. When registering for the electronic payment service, registration of a phone number and password is required. The account ID is issued to the user by the payment server 100, and the user ID can be set by the user (or does not have to be set). The email address, name, address, and date of birth are also information that can be set by the user (or do not have to be set). The registration date is the date on which the user registered for the electronic payment service (the date on which the account was created). Hereinafter, the user's instance (electronic payment account) to which this information is associated will be referred to as an account.

[0026] The charge balance indicates the balance of electronic money set by the user by transferring funds to the account in advance. Transfer methods include transfers from a designated bank's ATM (Automatic Teller Machine) or from a registered bank account. The credit payment setting indicates whether the settings for electronic credit payment have been completed and is set to either "completed" or "not completed." The credit payment limit is the monthly credit payment limit. The credit payment amount is the amount of credit payment already used in the current month. The available credit payment amount is the amount of credit payment available in the current month, calculated by subtracting the credit payment amount from the credit payment limit. While the figure shows only one credit payment limit, in reality, there may also be daily limits, and the lower of these may be set as the credit payment limit. Further details on credit payments will be described later. The payment method setting indicates whether the user will currently make electronic payments using the charge balance, credit payment, or bank account payments using the deposit balance in their bank account. The bank account and credit card number are information about the bank account or credit card number (account number, card number) that can be used to deposit funds into the electronic payment service. The charge history information is a history of the user's previous transfers to the electronic payment service to increase the charge balance. The payment history information is information that shows the breakdown of payments made by the user for each payment (date and time, store ID of the store where the purchase was made, payment amount, payment method, etc.). The membership number is identification information that allows consumer loan businesses to identify the user. Details will be provided later, but the membership number can be obtained by linking accounts between the consumer loan service and the electronic payment service.

[0027] 6 is a diagram showing an example of the contents of affiliated store / store information 176. The affiliated store / store information 176 includes, for example, a first table 176A in which an affiliated store ID and a store ID are associated with a store URL, a second table 176B in which an affiliated store ID is associated with an affiliated store name and sales amount, and a third table 176C in which a store ID is associated with a store name. In addition to this information, the affiliated store / store information 176 may also include information such as the category of the affiliated store or store, the store's location, and payment patterns.

[0028] The information management unit 140 manages the user information 172 and the affiliated store / store information 176 based on information acquired from the user terminal device 200 and the second store terminal device 70. For example, the information management unit 140 adds, edits, deletes, etc. new records for the user information 172 and the affiliated store / store information 176.

[0029] [Electronic Payment] When payment information is acquired from the user terminal device 200 or the first store terminal device 50, the payment processing unit 130 refers to the user information 172 to acquire the "payment method setting" of the user. For users whose "payment method setting" is set to "electronic payment," the payment processing unit 130 performs electronic payment as follows. For example, the payment processing unit 130 performs electronic payment by decreasing the charge balance managed in association with the user ID and increasing the item value of the affiliated store's sales proceeds. The item value of the affiliated store's sales proceeds is not itself used as electronic money, for example, but rather the amount corresponding to the item value of the sales proceeds is transferred to a bank account in a cycle according to the agreement between the affiliated store and the electronic payment service.

[0030] The payment processing unit 130 performs electronic payments for users whose "Payment Method Setting" is set to "Credit Card Payment" as follows. Credit card payment is a payment method in cooperation with a credit card company, which is a separate entity from the operator of the electronic payment service. The operator of the electronic payment service acts as the creditor, and allows electronic payments within the credit card payment limit, independent of the remaining balance. To receive the credit card payment service, a user may be required to obtain a credit card provided by the operator of the electronic payment service. The monthly amount used for credit card payment is settled on the following month's payment date, for example, by debit from a bank account. In this case, the payment processing unit 130 makes a provisional settlement by adding the settlement amount to the credit card payment amount and subtracting the same amount from the available credit card balance. On the closing date, the payment processing unit 130 performs the process described above to debit the current month's payment on the following month's payment date, or requests the credit card company operator to perform this process. If the settlement amount exceeds the available credit card balance at the time of provisional settlement, an error notification is returned to the payment app 20.

[0031] [User terminal device] FIG. 7 is a configuration diagram of user terminal device 200. User terminal device 200 includes, for example, a communication unit 210, a control unit 220, a biometric authentication unit 230, a display unit 240, an input unit 250, and a storage unit 270. The control unit 220 and the biometric authentication unit 230 are implemented, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be implemented by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be implemented by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device with a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0032] The storage unit 270 is a hard disk drive (HDD), flash memory, RAM, etc. The storage unit 270 may be a NAS device that can be accessed by the user terminal device 200 via a network. The storage unit 270 stores the payment application 20, the loan application 30, and information used by these applications.

[0033] The communication unit 210 is a wireless communication module that performs wireless communication with a wireless base station connected to the network NW.

[0034] The biometric authentication unit 230 performs biometric authentication using a fingerprint, iris, face, vein, etc. In this embodiment, the biometric authentication unit 230 performs fingerprint authentication using a fingerprint sensor mounted on the user terminal device 200.

[0035] The display unit 240 is a display device such as a liquid crystal display device. The input unit 250 is a device that accepts input from a user. The display unit 240 and the input unit 250 may be configured as a touch panel display.

[0036] [Provider server] FIG. 8 is a configuration diagram of the business operator server 300. The business operator server 300 includes, for example, a communication unit 310, a loan processing unit 320, and a storage unit 370. The loan processing unit 320 is realized, for example, by a hardware processor such as a CPU executing a program (software). Some or all of these components may be realized by hardware (including circuitry) such as an LSI, ASIC, FPGA, or GPU, or may be realized by a combination of software and hardware. The program may be stored in advance in a storage device such as an HDD or flash memory (a storage device having a non-transitory storage medium), or may be stored in a removable storage medium (a non-transitory storage medium) such as a DVD or CD-ROM, and installed in the storage device by inserting the storage medium into a drive device.

[0037] The storage unit 370 is a HDD, flash memory, RAM (Random Access Memory), etc. The storage unit 370 may be a NAS device that the business entity server 300 can access via a network. The storage unit 370 stores information such as member information 372.

[0038] The communication unit 310 is a communication interface for connecting to the network NW, and is, for example, a network interface card.

[0039] The loan processing unit 320 performs processing related to consumer loans, the details of which will be described later. The loan processing unit 320 also reads out member information 372 from the storage unit 370, updates the member information 372, and so on.

[0040] FIG. 9 is a diagram showing an example of the contents of member information 372. Member information 372 is information in which, for example, a member number, a password, a name, an address, a gender, a date of birth, a card number, card loan information, shopping information, an account ID, and other information are associated. The member number is identification information for identifying a user in the consumer loan service. The password is authentication information required for a user to log in to the consumer loan service. The name, address, gender, and date of birth are the same information as the name, address, gender, and date of birth included in user information 172 (FIG. 5).

[0041] The card number is the number of the card issued by the consumer loan provider. This card can be used for both card loans and shopping loans. A card loan is a loan that allows you to repeatedly borrow money using the card up to the contract limit. A shopping loan is a one-time loan that can be used to purchase goods.

[0042] Card loan information is information including, for example, the repayment amount, repayment date, borrowed amount, available amount, etc. of a card loan. Shopping loan information is information including, for example, the repayment amount, repayment date, borrowed amount, available amount, etc. of a shopping loan. The borrowed amount is the total amount remaining on the loan.

[0043] The account ID is the same information as the account ID included in user information 172 (FIG. 5), and is identification information for identifying a user who uses the electronic payment service. The account ID can be obtained by account linking between the consumer loan service and the electronic payment service. Account linking is explained below.

[0044] [Account Linking] When an instruction to link accounts is received from the loan application 30, the business operator server 300 and the payment server 100 link the accounts. Once the accounts are linked, the user can borrow money using electronic money and repay loans using electronic money.

[0045] For example, when a user launches the loan application 30 using the user terminal device 200 and the loan application 30 sends an instruction to link accounts to the business operator server 300, the business operator server 300 obtains information such as the user's name and date of birth from the member information 372 and transmits this obtained information to the payment server 100.

[0046] The payment server 100 determines whether there is a user whose information, such as name and date of birth, received from the business operator server 300 matches the information, such as name and date of birth, included in the user information 172. If there is a user whose information matches, the payment server 100 acquires the membership number of the user whose information matches from the business operator server 300, and transmits the account ID of the user to the business operator server 300. The payment server 100 also adds the membership number of the user acquired from the business operator server 300 to the user information 172. Meanwhile, the business operator server 300 adds the account ID of the user acquired from the payment server 100 to the member information 372. This completes the account linking.

[0047] Completion of account linking enables the payment server 100 and the business operator server 300 to associate the user's membership number in the consumer loan service with the user's account ID in the electronic payment service. Below, we will explain an example of making an early repayment using electronic money and an example of making a scheduled repayment using electronic money after account linking is completed.

[0048] [Loan app screen] Fig. 10 is an example of a home screen of the loan application 30. When a user logs in to the loan application 30 using the user terminal device 200, the home screen of the loan application 30 is displayed on the display unit 240 of the user terminal device 200. As shown in Fig. 10, the home screen includes a card loan display area A1, a shopping loan display area A2, a button B1, and a button B2.

[0049] The card loan display area A1 is an area that displays details of the card loan used by the user. For example, the card loan display area A1 may display the available card loan balance, the next repayment amount, the next scheduled repayment date, etc.

[0050] The shopping loan display area A2 is an area that displays details of the shopping loan used by the user. For example, the shopping loan display area A2 may display the available amount of the shopping loan, the amount of the next repayment, the scheduled date of the next repayment, etc.

[0051] Button B1 is a button for proceeding with the procedure to borrow money. When the user taps (selects) button B1, a borrowing procedure screen (not shown) is displayed on the display unit 240. Button B2 is a button for proceeding with the procedure to repay money. When the user taps (selects) button B2, a repayment procedure screen shown in FIG. 11 is displayed on the display unit 240.

[0052] Fig. 11 is an example of the repayment procedure screen of the loan application 30. As described above, when the user taps (selects) button B2 on the home screen (Fig. 10) of the loan application 30, the repayment procedure screen of the loan application 30 is displayed on the display unit 240 of the user terminal device 200. As shown in Fig. 11, the repayment procedure screen includes buttons B3 to B6.

[0053] Button B3 is a button for proceeding to the procedure for repayment from a financial institution account. When the user taps (selects) button B3, an account repayment procedure screen (not shown) is displayed on the display unit 240. Button B4 is a button for proceeding to the procedure for repayment with electronic money. When the user taps (selects) button B4, the biometric authentication screen shown in FIG. 12 is displayed on the display unit 240. Button B5 is a button for proceeding to the procedure for repayment at a bank ATM (Automated Teller Machine). When the user taps (selects) button B5, an ATM repayment procedure screen (not shown) is displayed on the display unit 240. Button B6 is a button for returning to the previous screen. When the user taps (selects) button B6, the home screen of FIG. 10 is displayed on the display unit 240.

[0054] Fig. 12 is an example of a biometric authentication screen of the loan application 30. As described above, when the user taps (selects) button B4 on the repayment procedure screen (Fig. 11) of the loan application 30, the biometric authentication screen of the loan application 30 is displayed on the display unit 240 of the user terminal device 200. As shown in Fig. 12, the biometric authentication screen includes a window W1.

[0055] Window W1 displays the message "Please scan your fingerprint" and a Cancel button. When the user taps (selects) the Cancel button, window W1 disappears and the repayment procedure screen shown in Figure 11 is displayed on display unit 240.

[0056] On the other hand, when the user's fingerprint is read by a fingerprint sensor (not shown) mounted on the user terminal device 200, the biometric authentication unit 230 performs fingerprint authentication of the user. The reason for performing biometric authentication (fingerprint authentication) here is to prevent unauthorized use by others. If the biometric authentication by the biometric authentication unit 230 is successful, the repayment method selection screen shown in Figure 13 is displayed on the display unit 240.

[0057] Figure 13 is an example of a repayment method selection screen of the loan application 30. On the repayment method selection screen, the user can select either early repayment or scheduled repayment. As shown in Figure 13, the repayment method selection screen includes buttons B7 to B9.

[0058] Button B7 is a button for returning to the previous screen. When the user taps (selects) button B7, the repayment procedure screen of FIG. 11 is displayed on the display unit 240. Button B8 is a button for proceeding to the early repayment procedure using electronic money. When the user taps (selects) button B8, the early repayment screen shown in FIG. 14 is displayed on the display unit 240. Button B9 is a button for proceeding to the scheduled repayment procedure using electronic money. When the user taps (selects) button B9, the scheduled repayment screen shown in FIG. 17 is displayed on the display unit 240.

[0059] [Early repayment using electronic money] FIG. 14 is an example of the early repayment screen of the loan application 30. As described above, when the user taps (selects) button B8 on the repayment method selection screen (FIG. 13) of the loan application 30, the early repayment screen of the loan application 30 is displayed on the display unit 240 of the user terminal device 200. As shown in FIG. 14, the early repayment screen displays the scheduled repayment amount, monthly repayment due date, and loan amount for each of the card loan and the shopping loan. The early repayment screen also includes amount input fields A3 and A4 and buttons B10 and B11.

[0060] Button B10 is a button for returning to the previous screen. When the user taps (selects) button B10, the repayment method selection screen of Figure 13 is displayed on the display unit 240. Amount input area A3 is an area where the amount of advance repayment for the card loan is input. Amount input area A4 is an area where the amount of advance repayment for the shopping loan is input. The user can input amounts in amount input areas A3 and A4 using the input unit 250 of the user terminal device 200. Button B11 is a confirmation button. When the user taps (selects) button B11 after amounts have been input in amount input areas A3 and A4, the repayment details confirmation screen of Figure 15 is displayed on the display unit 240.

[0061] FIG. 15 is an example of a repayment details confirmation screen of the loan application 30. On the repayment details confirmation screen, the user can confirm the details of the early repayment. As shown in FIG. 15, the repayment details confirmation screen displays the early repayment amount for the card loan, the early repayment amount for the shopping loan, and the total early repayment amount. The repayment details confirmation screen also includes buttons B12 and B13.

[0062] Button B12 is a button for returning to the previous screen. When the user taps (selects) button B12, the early repayment screen of Figure 14 is displayed on the display unit 240. By returning to the early repayment screen, the user can modify the early repayment amount. Button B13 is a button for instructing the user to proceed with the early repayment procedure using electronic money. When the user taps (selects) button B13, the business operator server 300 and the payment server 100 will work together to carry out the early repayment process using electronic money.

[0063] Fig. 16 is a sequence diagram showing details of the process of prepayment using electronic money. When the user taps (selects) button B13 on the repayment details confirmation screen in Fig. 15, the loan application 30 sends an prepayment request including the user's membership number, the prepayment amount of the card loan, and the prepayment amount of the shopping loan to the business operator server 300 (step S21).

[0064] Next, the loan processing unit 320 of the business entity server 300 acquires the account ID of the user based on the early repayment request sent from the loan application 30 (step S22). Specifically, the loan processing unit 320 acquires, from the member information 372, the account ID linked to the user's membership number included in the early repayment request sent from the loan application 30.

[0065] Next, the loan processing unit 320 transmits the payment information to the payment server 100 (step S23). The payment information includes the user's account ID, the affiliated store ID, the advance repayment amount of the card loan, the advance repayment amount of the shopping loan, etc. The affiliated store ID is assumed to be stored in advance in the storage unit 370 as identification information for specifying the consumer loan business operator.

[0066] Next, the payment processing unit 130 of the payment server 100 performs electronic payment based on the payment information received from the business operator server 300 (step S24). Specifically, the payment processing unit 130 calculates the payment amount as the sum of the advance repayment amount of the card loan and the advance repayment amount of the shopping loan. The payment processing unit 130 also subtracts the payment amount from the user's charge balance linked to the account ID included in the payment information in the user information 172 (FIG. 5). The payment processing unit 130 also adds the payment amount to the sales amount (sales amount of the consumer loan business operator) linked to the affiliated store ID included in the payment information in the second table 176B (FIG. 6).

[0067] When the electronic payment is completed, the payment processing unit 130 sends a notice of completion of early repayment to the business server 300 (step S25). The notice of completion of early repayment may include the account ID of the user who has completed the early repayment, the amount of early repayment of the card loan, the amount of early repayment of the shopping loan, etc.

[0068] The loan processing unit 320 of the business operator server 300 updates the member information 372 based on the advance repayment completion notice (step S26). Specifically, the loan processing unit 320 identifies the user based on the account ID included in the advance repayment completion notice. Furthermore, the loan processing unit 320 subtracts the advance repayment amount of the card loan from the borrowing amount included in the card loan information of the identified user in the member information 372, and also subtracts the advance repayment amount of the shopping loan from the borrowing amount included in the shopping loan information of the identified user.

[0069] When the update of the member information 372 is complete, the loan processing unit 320 sends an early repayment completion notice to the loan application 30 (step S27). Thereafter, based on the early repayment completion notice received from the business operator server 300, the loan application 30 displays an early repayment completion screen on the display unit 240 of the user terminal device 200 (step S28). The early repayment completion screen may display the early repayment amount of the card loan and the early repayment amount of the shopping loan, etc. This allows the user to understand through the loan application 30 that the early repayment has been completed normally.

[0070] Furthermore, the payment processing unit 130 of the payment server 100 sends an early repayment completion notification to the payment app 20 (step S29). The payment processing unit 130 sends the early repayment completion notification as a push notification. Thereafter, the payment app 20 displays the content of the push notification received from the payment server 100 on the display unit 240 of the user terminal device 200 (step S30). The content of the push notification may include the amount of early repayment of the card loan and the amount of early repayment of the shopping loan. This allows the user to know through the payment app 20 that the early repayment has been completed successfully.

[0071] The loan application 30 may allow the user to set whether to perform auto-charge to automatically replenish the electronic money when the user's electronic money balance is less than the prepayment amount (the sum of the card loan prepayment amount and the shopping loan prepayment amount). By setting auto-charge, it is possible to avoid an electronic payment error that occurs in the electronic payment of step S24 due to the user's low electronic money balance.

[0072] [Scheduled repayment by electronic money] FIG. 17 is an example of the contracted repayment screen of the loan application 30. As described above, when the user taps (selects) button B9 on the repayment method selection screen (FIG. 13) of the loan application 30, the contracted repayment screen of the loan application 30 is displayed on the display unit 240 of the user terminal device 200. As shown in FIG. 17, the contracted repayment screen displays the loan amount for each of the card loan and the shopping loan. The contracted repayment screen also includes an amount input area A5, a repayment date input area A6, an amount input area A7, a repayment date input area A8, and buttons B14 and B15.

[0073] Button B14 is a button for returning to the previous screen. When the user taps (selects) button B14, the repayment method selection screen of Figure 13 is displayed on the display unit 240. Amount input area A5 is an area where the agreed repayment amount of the card loan is input. Repayment date input area A6 is an area where the monthly repayment date of the card loan is input. Amount input area A7 is an area where the agreed repayment amount of the shopping loan is input. Repayment date input area A8 is an area where the monthly repayment date of the shopping loan is input. The user can input the amount in amount input areas A5 and A7, and can input the monthly repayment date in repayment date input areas A6 and A8, using the input unit 250 of the user terminal device 200. Button B15 is a confirmation button. When the amount is entered in the amount input fields A5 and A7 and the repayment date is entered in the repayment date input fields A6 and A8, and the user taps (selects) button B15, the repayment details confirmation screen of Figure 18 is displayed on the display unit 240.

[0074] For example, suppose that on the contracted repayment screen of FIG. 17, a user enters "10,000" in the amount input field A5, enters "25" in the repayment due date input field A6, and taps (selects) button B15. In this case, for a card loan with a borrowing amount of 300,000 yen, 10,000 yen will be repaid from the user's electronic money balance on the 25th of each month. In this way, according to this embodiment, it is possible to set a specific amount to be repaid on a specific due date each month.

[0075] FIG. 18 is an example of a repayment details confirmation screen of the loan application 30. On the repayment details confirmation screen, the user can confirm the details of the agreed repayment. As shown in FIG. 18, the repayment details confirmation screen displays the agreed repayment amount for the card loan, the monthly repayment due date for the card loan, the agreed repayment amount for the shopping loan, and the monthly repayment due date for the shopping loan. The repayment details confirmation screen also includes buttons B16 and B17.

[0076] Button B16 is a button for returning to the previous screen. When the user taps (selects) button B16, the contracted repayment screen of FIG. 17 is displayed on the display unit 240. By returning to the contracted repayment screen, the user can modify the contracted repayment amount and repayment due date. Button B17 is a button for instructing the user to proceed with the contracted repayment procedure using electronic money. When the user taps (selects) button B17, the loan application 30 sends an contracted repayment request to the business operator server 300, including the user's membership number, the contracted repayment amount of the card loan, the monthly repayment due date of the card loan, the contracted repayment amount of the shopping loan, and the monthly repayment due date of the shopping loan. Based on the contracted repayment request received from the loan application 30, the business operator server 300 updates the card loan information and shopping loan information in the member information 372 stored in the memory unit 370. Furthermore, when the updated repayment due date arrives, the business operator server 300 and the payment server 100 work together to process the contracted repayment using electronic money.

[0077] 19 is a sequence diagram showing details of the contracted repayment process using electronic money. First, the loan processing unit 320 of the business operator server 300 acquires the account ID of the user whose contracted repayment is due from the member information 372 (step S31).

[0078] Next, the loan processing unit 320 acquires the contracted repayment amount of the user whose contracted repayment due date has arrived (step S32). Specifically, the loan processing unit 320 acquires the contracted repayment amount of the card loan and the shopping loan of the user whose contracted repayment due date has arrived from the member information 372.

[0079] Next, the loan processing unit 320 transmits the payment information to the business operator server 300 (step S33). The payment information includes the user's account ID, the affiliated store ID, the contracted repayment amount of the card loan, the contracted repayment amount of the shopping loan, etc. The affiliated store ID is assumed to be stored in advance in the storage unit 370 as identification information for specifying the consumer loan business operator.

[0080] Next, the payment processing unit 130 of the payment server 100 performs electronic payment based on the payment information received from the business operator server 300 (step S34). Specifically, the payment processing unit 130 calculates the payment amount as the sum of the contracted repayment amount of the card loan and the contracted repayment amount of the shopping loan. The payment processing unit 130 also subtracts the payment amount from the user's charge balance linked to the account ID included in the payment information in the user information 172 (FIG. 5). The payment processing unit 130 also adds the payment amount to the sales amount (sales amount of the consumer loan business operator) linked to the affiliated store ID included in the payment information in the second table 176B (FIG. 6).

[0081] When the electronic payment is completed, the payment processing unit 130 sends a notice of completion of the agreed repayment to the business server 300 (step S35). The notice of completion of the agreed repayment may include the account ID of the user for whom the agreed repayment has been completed, the agreed repayment amount of the card loan, the agreed repayment amount of the shopping loan, etc.

[0082] The loan processing unit 320 of the business operator server 300 updates the member information 372 based on the agreed repayment completion notice (step S36). Specifically, the loan processing unit 320 identifies the user based on the account ID included in the agreed repayment completion notice. Furthermore, the loan processing unit 320 subtracts the agreed repayment amount of the card loan from the borrowing amount included in the card loan information of the identified user in the member information 372, and also subtracts the agreed repayment amount of the shopping loan from the borrowing amount included in the shopping loan information of the identified user.

[0083] When the updating of the member information 372 is complete, the loan processing unit 320 sends an agreed repayment completion notice to the loan application 30 (step S37). Thereafter, based on the agreed repayment completion notice received from the business operator server 300, the loan application 30 displays an agreed repayment completion screen on the display unit 240 of the user terminal device 200 (step S38). The agreed repayment completion screen may display the agreed repayment amount of the card loan and the agreed repayment amount of the shopping loan, etc. This allows the user to understand through the loan application 30 that the agreed repayment has been completed normally.

[0084] Furthermore, the payment processing unit 130 of the payment server 100 sends an agreed repayment completion notice to the payment app 20 (step S39). The payment processing unit 130 sends the agreed repayment completion notice as a push notification. Thereafter, the payment app 20 displays the content of the push notification received from the payment server 100 on the display unit 240 of the user terminal device 200 (step S40). The content of the push notification may include the agreed repayment amount of the card loan and the agreed repayment amount of the shopping loan. This allows the user to know through the payment app 20 that the agreed repayment has been completed successfully.

[0085] The loan application 30 may allow the user to set whether to perform auto-charge to automatically replenish the electronic money when the user's electronic money balance is less than the agreed repayment amount (the sum of the agreed repayment amount for the card loan and the agreed repayment amount for the shopping loan). By setting auto-charge, it is possible to avoid an electronic payment error that occurs in the electronic payment of step S34 due to the user's electronic money balance being low.

[0086] As described above, the loan application 30 of this embodiment causes the user terminal device 200, which can communicate with the business server 300 managed by the consumer loan provider via the network NW, to receive the user's loan amount from the business server 300, display the loan amount on the display unit 240 of the user terminal device 200, obtain the repayment amount for repaying the loan amount in accordance with input from the user, and send a repayment request including the repayment amount to the business server 300, thereby repaying the loan amount in electronic money. This allows funds borrowed from the consumer loan provider to be repaid in electronic money, improving convenience for the user.

[0087] Furthermore, the payment app 20 of this embodiment causes the user terminal device 200, which can communicate via the network NW with the payment server 100 that performs electronic payments using electronic money, to receive a repayment completion notice from the payment server 100 indicating that the user's borrowed amount has been repaid with electronic money, and causes the display unit 240 of the user terminal device 200 to display the amount of electronic money used to repay the borrowed amount based on the repayment completion notice. This allows the user to confirm that the funds borrowed from the consumer loan provider have been repaid with electronic money, improving convenience for the user.

[0088] The payment system of this embodiment also includes an operator server 300 managed by a consumer loan operator, a payment server 100 that performs electronic payments using electronic money, a loan application 30 installed on a user terminal device 200 that can communicate with the operator server 300 and the payment server 100 via a network, and a payment application 20 installed on the user terminal device 200. The loan application 30 causes the user terminal device 200 to receive the user's loan amount from the operator server 300, display the loan amount on the display unit 240 of the user terminal device 200, obtain a repayment amount for repaying the loan amount in response to input from the user, and transmit a repayment request including the repayment amount to the operator server 300, thereby repaying the loan amount with electronic money. The payment application 20 causes the user terminal device 200 to receive a repayment completion notice from the payment server 100 indicating that the user's loan amount has been repaid with electronic money, and, based on the repayment completion notice, display the amount of electronic money used to repay the loan amount on the display unit 240 of the user terminal device 200. This allows users to repay funds borrowed from consumer loan businesses with electronic money, improving convenience for users.

[0089] In the above embodiment, when a user inputs an amount to be prepaid on the screen of the loan application 30, the loan application 30 sends an early repayment request to the business operator server 300 (S21 in FIG. 16), and the business operator server 300 sends payment information to the payment server 100 (S23 in FIG. 16). However, this is not limiting. For example, when a user inputs an amount to be prepaid on the screen of the loan application 30, the payment application 20 may be started and display a confirmation screen showing the amount of the early repayment, and when the user taps (selects) a button on the confirmation screen, the payment application 20 may send payment information to the payment server 100. This allows the payment process related to the early repayment to be carried out between the payment application 20 and the payment server 100.

[0090] The above describes the form for carrying out the present invention using an embodiment, but the present invention is not limited to such an embodiment, and various modifications and substitutions can be made within the scope that does not deviate from the gist of the present invention. [Explanation of symbols]

[0091] 20. Payment App 30 Loan App 100 Payment Server 110 Communications Department 120 Payment Contents Department 130 Payment processing unit 140 Information Management Department 170 Storage section 200 User terminal device 210 Communications Department 220 Control Unit 230 Biometric Authentication Department 240 Display section 250 Input section 270 Storage section 300 Business Server 310 Communications Department 320 Loan Processing Department 370 Storage section

Claims

1. A terminal device capable of communicating with a business server managed by a consumer loan business via a network, receiving the user's loan amount from the business server; Displaying the loan amount on the display unit of the terminal device; acquiring a repayment amount for repaying the loan amount in accordance with an input from the user; a repayment request including the repayment amount is transmitted to the business server, thereby causing the loan amount to be repaid in electronic money; Application program.

2. The repayment amount is an amount of advance repayment for repaying the borrowed amount in advance with the electronic money.

2. The application program according to claim 1.

3. The repayment amount is an agreed repayment amount for repaying the borrowed amount with the electronic money.

2. The application program according to claim 1.

4. The terminal device further includes: When the balance of the electronic money of the user is less than the repayment amount, the user is prompted to set whether or not to perform auto-charge for automatically replenishing the electronic money.

2. The application program according to claim 1.

5. A terminal device capable of communicating with a payment server that performs electronic payment using electronic money via a network, receiving a repayment completion notice from the settlement server, which indicates that the user's loan amount has been repaid with the electronic money; based on the repayment completion notice, displaying the amount of the electronic money used for repaying the loan amount on a display unit of the terminal device; Application program.

6. a business server managed by a consumer loan business; a payment server that performs electronic payments using electronic money; a first application program installed in a terminal device capable of communicating with the business server and the payment server via a network; a second application program installed on the terminal device; A payment system comprising: The first application program is installed on the terminal device. receiving the user's loan amount from the business server; Displaying the loan amount on the display unit of the terminal device; acquiring a repayment amount for repaying the loan amount in accordance with an input from the user; a repayment request including the repayment amount is transmitted to the business server, thereby causing the borrowed amount to be repaid with the electronic money; The second application program is installed in the terminal device. receiving, from the payment server, a repayment completion notice indicating that the user has repaid the loan amount with the electronic money; based on the repayment completion notice, displaying the amount of the electronic money used for repaying the loan amount on the display unit of the terminal device; Payment system.

7. The business server receiving the refund request from the terminal device; sending payment information to the payment server, the payment information including the repayment amount included in the repayment request as the payment amount for the electronic payment; The payment server subtracting the payment amount included in the payment information from the balance of the electronic money of the user, and adding the payment amount to the sales amount of the consumer loan business operator; The payment system according to claim 6.

8. A terminal device capable of communicating with a business server managed by a consumer loan business via a network, receiving the loan amount of the user from the business server; Displaying the loan amount on the display unit of the terminal device; acquiring a repayment amount for repaying the loan amount in accordance with an input from the user; a repayment request including the repayment amount is transmitted to the business server, thereby causing the loan amount to be repaid in electronic money; A method for controlling a terminal device.

9. A terminal device capable of communicating with a payment server that performs electronic payment using electronic money via a network, receiving a repayment completion notice from the payment server indicating that the user's loan amount has been repaid with the electronic money; Based on the notice of completion of repayment, the amount of the electronic money used for repaying the loan amount is displayed on the display unit of the terminal device. A method for controlling a terminal device.

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